Entries by Scott Eisland
What is hired and non-owned auto insurance?
Non-Owned Automobile Liability If you do not own a car but frequently borrow other people’s cars, rent cars or use a car-sharing service, non-owner auto insurance offers you coverage if you cause an accident. Non-owned automobile liability can be extremely severe in many cases. This type of insurance covers you for damage you cause to […]
2018 Minimum Wage Requirements
With the new year comes new laws, regulations and revisions to existing laws. Staying in front of the new minimum wage requirements is an operational imperative. Here is a concise overview from our Think HR Human resource tool for our existing clients. Overview : The current federal minimum wage rate is $7.25 per hour. However, […]
Driver Safety Policy Options For Home Healthcare Agencies
Do you run a home health care agency where employees use their own car? If so, it is essential that you have a specifically designed implemented driver safety policy. Home health care agency employees often find themselves pressed for time. It would be understandable for an employee to feel obligated to drive a little recklessly […]
How To Set The Best Passwords For Your OnLine Activites
What’s the longest you’ve ever spent when trying to create a new password that 1) You will remember and 2) Satisfies your particular website’s password requirements? It’s taken me up to fifteen minutes before and that is not an exaggeration. I know you are all sick and tired of getting this message: “Sorry that password won’t […]
Should You Excercise The Executive Officer Exclusion On Workers Comp Insurance
With insurance mistakes can be hidden for years until a claim arises. Then the error becomes obvious and expensive. One error we see often is when single owner or dual owned businesses voluntarily elect to trigger the executive officer exclusion on their workers comp insurance. Most states require employers to purchase a workers compensation insurance […]
OSHA Proposes Delay to Electronic Reporting
Under the electronic reporting rule of the Occupational Safety and Health Administration (OSHA), certain establishments must report information electronically from their OSHA Forms 300, 300A and 301. In addition, OSHA is required to create a website that can be used to submit the required information. The original deadline for first reports was July 1st, 2017. […]
Building A Ladders Last Safety Program Yields Cost Savings On Your Construction Liability Insurance
Fall protection and safety is a major concern at construction sites. In fact, OSHA cites injuries from falls as one of its top 10 worksite injuries and a huge driver of insurance costs in states like NY which have laws that specifically address falls from a height. Falls and falling objects result from unstable working […]
Signs of a False Workers Compensation Claim
A false workers compensation claim is more common than you might think. The sooner you call the sooner we can help you work through it. The workers’ compensation insurance system is a no-fault method, paying workers for medical expenses and wage losses from on-the-job injuries. Billions of dollars of false claims submitted each year, says […]